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    • So as predicted relieved dq from Overdale.  Checked MCOL transaction history. Last entry is defence received.  Am I reading that correctly?   my understanding is I I ignore and wait for courts to send one
    • So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one? So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one? So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one? So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one?
    • Hi  I've received letters acknowledging that overdales have received my caa request and CPR request. No info. I'm going to post you my defence for to look at tonight or tomorrow morning. H
    • Morning,  I have recieved a reply from my request for information. They have replied with the credit agreements for my 118 loan and two Captial One cards.  They have said thay as Vodafone is a telecommunications account it is not regulated so the original creditor is not obliged to provide a copy of the agreement.  What are my next steps?  Thank you 
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halifax what a rip off


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can someone pls tell me when do i add the 8% i believe it is,and how do i work the 8% FOR 3500.

 

Please read the FAQs. You only add the 8% if it goes to court, and there is a spreadsheet available to work out the 8%.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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hi there just thought id let you all know how im gettin on.well just resived my small claims pack what do i do now and how much is this gonna cost me 2 take the halifax to court,is there anyway i can do this without costin me any money as i dnt have any money pls some1 help me asap thanx x

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hi there just thought id let you all know how im gettin on.well just resived my small claims pack what do i do now and how much is this gonna cost me 2 take the halifax to court,is there anyway i can do this without costin me any money as i dnt have any money pls some1 help me asap thanx x

 

 

Kelly first thing to do is read the claims pack..........thats what its for !!

 

If you are on benefits or low income there is a chance you may be exempt from the fees.

All depends on how much you are claiming as to how much you have to pay yourself.

 

You cannot go into a court fight unless you are equipped.....get some reading done !!

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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If your claim amount is £3500 then it will cost you £120 to issue the claim, but this can be added to the claim amount.

 

Are you on benefits etc? If so you may be entitled to reduced fees.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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The fee is £120.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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See post #26 in this thread

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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возможно мы должны все говорить на русском языке

 

:D

 

это было бы слишком трудным для большинства людей ;)

 

(Sorry for hijack, Kelly, won't do it again :-))

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КТО - ТО МОЖЕТ ЗДЕСЬ ГОВОРИТЬ НА РУССКОМ ЯЗЫКЕ?

 

 

 

:???:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Kelly who do you think pays the ombudsmans wages?

 

The reason no one bothers to go to them is simply because they are on the banks side !!

 

Now is there anyone you know who will lend you 120 quid ?

beg steal or borrow it.....actually no dont steal it ..you will be looking as guilty of the banks ha ha.

 

Look at it this way you will be getting that back .....and more besides.

Lots of people here have found it hard to get it..but you must know someone ?

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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thanx martin3030 for yr fast replys,my heads in bits at the mo dnt know if im comin or going right now and feelin very frustrated with it all..... like i say i have all the papers but no money,if i do get the money 2 file court how long does it take for the bank 2 hand over the money they own do u have any clue on that plzzzzzzzzzzz very angry and frustrated mum of 2 x

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It is impossible to say how long they will take. Halifax usually pay up fairly quickly, but it doesn't mean they definitely will in your case.

 

Basically, the sooner you file your claim and pay the £120, the sooner you will get your money from the bank.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Kelly I have heard of cases where sympathetic court staff have allowed payment to be made later,but that would only be a consideration if you were filing in person not online.

The procedure is that once your claim is acknowledged the bank have 28 days to respond.

If they are going to file a defence then they have to do that within 14 days of the acknowledgement of your claim by the court.

 

Best way to get some idea is to look at other cases.

 

Sometimes they settle a week after your filed claim........sometimes its 2 weeks

They may submit a defence then pay........theres no guaranteed answer for you.

You can be pretty cure that once your claim is filed and acknowledged theres a 99% chance it will be sorted within 3 weeks tops.

 

Try and keep a level head I know 2 kids is hard work.....but keep trying to think about where you can get hold of the 120.00

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Best of British

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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